Key Takeaways
In Tennessee, people who drive but don't own a car can get liability insurance through non-owner car insurance. If you cause harm to another person or their belongings in an accident, it will protect you financially. But because it doesn't cover comprehensive or accident, it doesn't cover your injuries or the damage to the car you're driving.
If you share cars often, borrow cars from family or friends, or need coverage to ensure you don't go without them, non-owner car insurance might be a good choice. The table below shows how the coverage for non-owner and full coverage plans differs.
Insurance for a car costs $36 a month in Tennessee but $49 a month on average across the country.
Insurance rates are affected by where you live, but your age, driving record, coverage limits, and car type have a bigger effect. When you look at your insurance prices and coverage needs, it's important to remember these things.
These companies offer the cheapest non-owner car insurance plans in Tennessee:
Auto-Owners: It costs $20 a month for drivers with clean records.
Auto-Owners: People who have tickets ($31 per month)
If you have a traffic ticket on your record, your insurance rates may go up, even if you don't own a car. Option A for drivers with moving violations costs $11 more monthly than Option A for clean records.
The cheapest non-owner car insurance for people in Tennessee with good driving records comes from:
Non-owner car insurance from USAA costs about $23 a month, but it's only available to current and past military members and their families.
Tennessee has non-owner car insurance plans that cost an average of $20 per month, much less than the $49 monthly national average.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $177 | $20 |
| State Farm | $278 | $29 |
| Farmers | $417 | $40 |
| Travelers | $423 | $41 |
| Progressive | $498 | $47 |
| Nationwide | $606 | $56 |
The cheapest non-owner car insurance in Tennessee for people who have had moving charges is:
USAA gives cheap SR-22 insurance for about $31 a month to Tennessee military members who have had traffic violations.
If you have a driving offense on your record, like a DUI or an accident where you were at blame, you may need to file an SR-22. This can result in your insurance rates to go up. Tennessee has the best non-owner SR-22 insurance, which costs $37 a month on average. This is $40 less than the national average.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $301 | $31 |
| State Farm | $308 | $31 |
| Travelers | $550 | $51 |
| Farmers | $612 | $57 |
| Nationwide | $698 | $64 |
| Progressive | $898 | $80 |
Nashville's best non-owner car insurance companies are:
If you only need temporary car insurance, like for a move or a road trip, you should get it from the rental car business. If you need it, there are other ways to get short-term insurance in Tennessee.
You must talk to an agent on the phone or in-person to buy non-owner car insurance. You can't get quotes from every insurance company online, including those that don't offer non-owner plans.
Keep a credit or debit card and driver's license number to buy non-owner insurance. So you can get the best quote, it's also helpful to have a list of your driving records, including tickets, accidents, and times your license was suspended. Most of the time, you can get proof of insurance the same day, and as soon as your payment goes through, you're covered. Non-owner insurance may not be as easy to find as regular insurance, but all of the following insurance companies give it in Tennessee.
Insurance for people who don't own a car but often rent or borrow cars or want to keep their insurance coverage is called "non-owner car insurance." It can also help people with suspended licenses get them back after a traffic violation.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
There are a few different types of non-owner car insurance in Tennessee. Auto-Owners plans cost about $20 a month for drivers with clean records. Auto-Owners is also the cheapest for people with moving tickets, at $30 a month. Remember that the cheapest service may differ depending on your age, where you live, and other factors.
Auto-Owners is the best non-owner car insurance company in Tennessee. State Farm is the next best. However, the best provider for you may differ based on your wants and preferences.
Non-owner car insurance costs $30 a month on average in Tennessee but $43 a month on average across the country. Location does affect insurance rates, but age, driving record, coverage limits, and type of car have a bigger effect.
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